Workers Compensation

 An essential part of the responsibilities of an employer includes establishing and maintaining a significant emphasis on the well-being of their employees through robust workers’ compensation insurance policies. This financial safety net can ensure that employees are protected in the event of work-related injuries or illnesses, fostering a supportive environment for both employers and their workforces. 

How Does Connecticut Workers’ Compensation Work? 

Connecticut’s workers’ compensation system operates on a “no-fault” basis, meaning that employees are generally entitled to financial compensation regardless of who is at fault for their workplace injury. This can help eliminate the need to determine liability, which can lead to lengthy legal battles, and therefore expedite the process of providing financial assistance to affected parties. 

To be eligible for workers’ compensation benefits in Connecticut, employees must report their injuries to their employer within a specific timeframe. Once reported, the employer is responsible for filing a Report of Injury with the state’s Workers’ Compensation Commission. The injured employee is then entitled to medical treatment, wage replacement and vocational rehabilitation services as necessary. 

What Is the Workers’ Compensation Rate in Connecticut? 

Connecticut’s workers’ compensation rate is generally determined based on the employee’s average weekly wage. The state establishes a maximum compensation rate, representing the highest amount an injured worker can receive weekly. Compensation can typically cover medical expenses and a percentage of the employee’s average weekly wage, ensuring that financial burdens are alleviated during the recovery period. 

Connecticut employers contribute to workers’ compensation insurance, with rates varying based on various factors, such as their industry and their company’s safety record. As such, ensuring a safe working environment may not only promote employee well-being but also help businesses maintain affordable workers’ compensation insurance rates. 

Get the Right Coverage 

At Svendsen Insurance, our dedicated staff has proudly protected Connecticut residents and employers since 1946. We will draw on this extensive service record to help ensure optimal coverage at ideal rates. Contact us today to learn more.  

Svendsen Insurance Agency Insures:
Woodbridge, New Haven, West Haven, Middlesex, Hartford, Litchfield, Fairfield, Branford, North Branford, Wallingford, Meriden, Waterbury
and surrounding areas throughout Connecticut.